We use HRH Willis out of California. They are the “official” insurance provider for the NAPO. My GL, non-owned auto (which will also include company cars if I wish) and Liquor Liability comes in at about $4,000 for a seven figure operation. Our smaller operation comes in at about $3,000. The GL also includes a 2,600 sf full service location - so it’s higher than it would be for a DELCO. The replacement cost there is very high.
Reporting requirements are easy. When a new driver is hired we e-mail a Vehicle Inspection Form (provided by HRH), a current MVR and copy of insurance card. If it’s within California business hours I usually have the approval back within 30 minutes. After that I need a new MVR every six months, and need to send the new insurance card copy when it expires.
The drivers must also study a pamphlet and pass a 25 question exam. The results of that have to be held in their personnel file. It’s kind of a goofy thing, but I’m not about to let the lack of the exam lead to them not paying on a claim.